Home > McCreary National Bank > Income and Expense

McCreary National Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$498,000	7,502
Total interest expense	$143,000	7,141
Net interest income	$355,000	7,507
Provision for loan and lease losses	$9,000	5,706
Total noninterest income	$59,000	6,900
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$43,000	5,527
Trading account gains and fees	$0	121
Additional Noninterest Income	$16,000	7,156
Total noninterest expense	$323,000	7,330
Salaries and employee benefits	$140,000	7,848
Premises and equipment expense	$52,000	6,694
Additional noninterest expense	$131,000	6,404
Pre-tax net operating income	$82,000	7,438
Securities gains (losses)	$84,000	897
Applicable income taxes	$55,000	4,720
Income before extraordinary items	$111,000	6,682
Extraordinary gains, net	$0	16
Net income	$111,000	6,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,804
Cash dividends	$40,000	3,481
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$54,720	7,636
2003-12-31 (YTD Data)		Rank
Total interest income	$2,125,000	7,428
Total interest expense	$668,000	7,153
Net interest income	$1,457,000	7,427
Provision for loan and lease losses	$37,000	6,587
Total noninterest income	$251,000	6,942
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$195,000	5,313
Trading account gains and fees	$0	160
Additional Noninterest Income	$56,000	7,407
Total noninterest expense	$1,235,000	7,404
Salaries and employee benefits	$499,000	8,081
Premises and equipment expense	$188,000	6,931
Additional noninterest expense	$548,000	6,259
Pre-tax net operating income	$436,000	6,895
Securities gains (losses)	$76,000	2,141
Applicable income taxes	$172,000	5,117
Income before extraordinary items	$340,000	7,085
Extraordinary gains, net	$0	54
Net income	$340,000	7,086
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,174
Cash dividends	$150,000	5,213
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$289,840	7,183
2003-09-30 (YTD Data)		Rank
Total interest income	$1,593,000	7,515
Total interest expense	$513,000	7,251
Net interest income	$1,080,000	7,505
Provision for loan and lease losses	$27,000	6,482
Total noninterest income	$191,000	6,968
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$143,000	5,411
Trading account gains and fees	$0	153
Additional Noninterest Income	$48,000	7,275
Total noninterest expense	$913,000	7,433
Salaries and employee benefits	$367,000	8,110
Premises and equipment expense	$135,000	7,046
Additional noninterest expense	$411,000	6,265
Pre-tax net operating income	$331,000	7,022
Securities gains (losses)	$76,000	1,981
Applicable income taxes	$137,000	5,229
Income before extraordinary items	$270,000	7,115
Extraordinary gains, net	$0	40
Net income	$270,000	7,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,047
Cash dividends	$100,000	4,694
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$219,840	7,308
2003-06-30 (YTD Data)		Rank
Total interest income	$1,070,000	7,541
Total interest expense	$350,000	7,330
Net interest income	$720,000	7,522
Provision for loan and lease losses	$18,000	6,396
Total noninterest income	$124,000	7,004
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$92,000	5,460
Trading account gains and fees	$0	150
Additional Noninterest Income	$32,000	7,239
Total noninterest expense	$624,000	7,388
Salaries and employee benefits	$247,000	8,110
Premises and equipment expense	$84,000	7,192
Additional noninterest expense	$293,000	6,059
Pre-tax net operating income	$202,000	7,200
Securities gains (losses)	$76,000	1,726
Applicable income taxes	$94,000	5,213
Income before extraordinary items	$184,000	7,122
Extraordinary gains, net	$0	30
Net income	$184,000	7,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,006
Cash dividends	$50,000	4,732
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$133,840	7,444
2003-03-31 (YTD Data)		Rank
Total interest income	$541,000	7,558
Total interest expense	$179,000	7,375
Net interest income	$362,000	7,528
Provision for loan and lease losses	$9,000	6,152
Total noninterest income	$58,000	7,077
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$42,000	5,576
Trading account gains and fees	$0	134
Additional Noninterest Income	$16,000	7,254
Total noninterest expense	$311,000	7,425
Salaries and employee benefits	$123,000	8,147
Premises and equipment expense	$42,000	7,220
Additional noninterest expense	$146,000	6,033
Pre-tax net operating income	$100,000	7,186
Securities gains (losses)	$19,000	1,926
Applicable income taxes	$40,000	5,397
Income before extraordinary items	$79,000	7,311
Extraordinary gains, net	$0	21
Net income	$79,000	7,312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,770
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$66,460	7,411
2002-12-31 (YTD Data)		Rank
Total interest income	$2,140,000	7,703
Total interest expense	$871,000	7,279
Net interest income	$1,269,000	7,803
Provision for loan and lease losses	$40,000	6,915
Total noninterest income	$250,000	6,857
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$179,000	5,479
Trading account gains and fees	$0	153
Additional Noninterest Income	$71,000	7,051
Total noninterest expense	$1,177,000	7,523
Salaries and employee benefits	$426,000	8,412
Premises and equipment expense	$166,000	7,226
Additional noninterest expense	$585,000	6,029
Pre-tax net operating income	$302,000	7,533
Securities gains (losses)	$58,000	2,273
Applicable income taxes	$121,000	5,776
Income before extraordinary items	$239,000	7,623
Extraordinary gains, net	$0	70
Net income	$239,000	7,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,476
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$200,720	7,738
2001-12-31 (YTD Data)		Rank
Total interest income	$2,356,000	7,893
Total interest expense	$1,269,000	7,461
Net interest income	$1,087,000	8,113
Provision for loan and lease losses	$47,000	6,791
Total noninterest income	$206,000	7,252
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$140,000	5,943
Trading account gains and fees	$0	177
Additional Noninterest Income	$66,000	7,230
Total noninterest expense	$1,106,000	7,674
Salaries and employee benefits	$423,000	8,526
Premises and equipment expense	$172,000	7,186
Additional noninterest expense	$511,000	6,367
Pre-tax net operating income	$140,000	8,142
Securities gains (losses)	$49,000	2,369
Applicable income taxes	$59,000	6,554
Income before extraordinary items	$130,000	8,154
Extraordinary gains, net	$0	105
Net income	$130,000	8,154
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,919
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$96,190	8,254
2000-12-31 (YTD Data)		Rank
Total interest income	$2,453,000	7,956
Total interest expense	$1,430,000	7,292
Net interest income	$1,023,000	8,429
Provision for loan and lease losses	$19,000	7,668
Total noninterest income	$184,000	7,442
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	6,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,361
Total noninterest expense	$1,034,000	7,918
Salaries and employee benefits	$436,000	8,574
Premises and equipment expense	$161,000	7,398
Additional noninterest expense	$437,000	6,868
Pre-tax net operating income	$154,000	8,578
Securities gains (losses)	$14,000	1,057
Applicable income taxes	$48,000	7,270
Income before extraordinary items	$120,000	8,579
Extraordinary gains, net	$0	38
Net income	$120,000	8,578
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,027
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$110,060	8,631
1999-12-31 (YTD Data)		Rank
Total interest income	$2,176,000	8,300
Total interest expense	$1,232,000	7,561
Net interest income	$944,000	8,749
Provision for loan and lease losses	$63,000	6,078
Total noninterest income	$191,000	7,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	6,350
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	7,394
Total noninterest expense	$1,002,000	8,124
Salaries and employee benefits	$392,000	8,933
Premises and equipment expense	$173,000	7,268
Additional noninterest expense	$437,000	6,994
Pre-tax net operating income	$70,000	9,178
Securities gains (losses)	$0	3,155
Applicable income taxes	$4,000	8,624
Income before extraordinary items	$66,000	9,161
Extraordinary gains, net	$0	35
Net income	$66,000	9,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,980
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$66,000	9,128
1998-12-31 (YTD Data)		Rank
Total interest income	$2,062,000	8,611
Total interest expense	$1,254,000	7,779
Net interest income	$808,000	9,230
Provision for loan and lease losses	$55,000	6,428
Total noninterest income	$152,000	8,197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	6,563
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,655
Total noninterest expense	$818,000	8,720
Salaries and employee benefits	$259,000	9,833
Premises and equipment expense	$163,000	7,375
Additional noninterest expense	$396,000	7,250
Pre-tax net operating income	$87,000	9,461
Securities gains (losses)	$17,000	2,560
Applicable income taxes	$36,000	8,594
Income before extraordinary items	$68,000	9,523
Extraordinary gains, net	$0	32
Net income	$68,000	9,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,603
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$56,950	9,531
1997-12-31 (YTD Data)		Rank
Total interest income	$1,907,000	9,132
Total interest expense	$1,192,000	8,138
Net interest income	$715,000	9,899
Provision for loan and lease losses	$50,000	6,616
Total noninterest income	$117,000	9,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	7,533
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	9,236
Total noninterest expense	$807,000	9,007
Salaries and employee benefits	$352,000	9,583
Premises and equipment expense	$140,000	8,021
Additional noninterest expense	$315,000	8,172
Pre-tax net operating income	$-25,000	10,420
Securities gains (losses)	$90,000	1,032
Applicable income taxes	$24,000	9,652
Income before extraordinary items	$41,000	10,282
Extraordinary gains, net	$0	44
Net income	$41,000	10,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,963
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-16,600	10,392
1996-12-31 (YTD Data)		Rank
Total interest income	$1,507,000	10,092
Total interest expense	$902,000	9,329
Net interest income	$605,000	10,645
Provision for loan and lease losses	$86,000	5,456
Total noninterest income	$108,000	9,748
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	8,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	9,021
Total noninterest expense	$658,000	9,964
Salaries and employee benefits	$317,000	10,208
Premises and equipment expense	$115,000	8,909
Additional noninterest expense	$226,000	9,640
Pre-tax net operating income	$-31,000	10,866
Securities gains (losses)	$62,000	1,204
Applicable income taxes	$6,000	10,431
Income before extraordinary items	$25,000	10,714
Extraordinary gains, net	$0	53
Net income	$25,000	10,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	7,019
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$4,000	909
Net operating income	$-25,220	10,839
1995-12-31 (YTD Data)		Rank
Total interest income	$991,000	11,293
Total interest expense	$658,000	10,453
Net interest income	$333,000	11,717
Provision for loan and lease losses	$64,000	5,599
Total noninterest income	$81,000	10,708
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	9,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	9,382
Total noninterest expense	$645,000	10,388
Salaries and employee benefits	$321,000	10,579
Premises and equipment expense	$98,000	9,671
Additional noninterest expense	$226,000	10,112
Pre-tax net operating income	$-295,000	11,725
Securities gains (losses)	$75,000	1,081
Applicable income taxes	$-87,000	11,698
Income before extraordinary items	$-133,000	11,630
Extraordinary gains, net	$0	65
Net income	$-133,000	11,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-181,000	11,653
1994-12-31 (YTD Data)		Rank
Total interest income	$9,000	12,603
Total interest expense	$3,000	12,583
Net interest income	$6,000	12,598
Provision for loan and lease losses	$3,000	8,961
Total noninterest income	$0	12,550
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	12,536
Total noninterest expense	$46,000	12,598
Salaries and employee benefits	$13,000	12,594
Premises and equipment expense	$7,000	12,553
Additional noninterest expense	$26,000	12,589
Pre-tax net operating income	$-43,000	12,158
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$-43,000	12,099
Extraordinary gains, net	$0	249
Net income	$-43,000	12,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$2,500,000	268
Net operating income	$-43,000	12,118

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.